What does lie beneath?

There is a view that markets make wealth and that, in creating personal wealth, the markets do the work.
They don't. The foundation of your wealth is you.

About Us


“What the client really wants is a life outcome: more time with the family, more time to develop their careers, more money to enjoy both today and in retirement”.

We are different because we don’t just talk about your money, your financial issues or your investment opportunities. We are different because we talk about you.

At Varria we believe that when people understand the characteristics that define wealth, real wealth, they can see the path to personal happiness with wealth.

Latest News

Global Growth Outlook 600 429 SSJuanito

Global Growth Outlook

Dr Shane Oliver – Head of Investment Strategy and Chief Economist, AMP Capital Key points – The rebound in share markets since December has left them vulnerable to a short term pull back. – Worries about global growth as evident in plunging bond yields and the flat/inverting US yield curve (and risks around trade) could provide the…

Millennial socialism & the swing of the political pendulum back to the left 343 147 SSJuanito

Millennial socialism & the swing of the political pendulum back to the left

Dr Shane Oliver – Head of Investment Strategy and Chief Economist, AMP Capital Key points – Growing support for higher taxes on the rich and greater government intervention in the economy suggest median voters have shifted to the left. Support for economic rationalist policies has fallen. – The risk is that the shift away from economic rationalist…

Portfolio Construction Forum 783 391 SSJuanito

Portfolio Construction Forum

In February, the senior advisers within Varria were invited to attend the Portfolio Construction Forum in Sydney. This is a three day event that centres around sharing ideas and opinions from economists, portfolio managers, analysts and academics on the future economic and market outlook and the factors that will drive them, in particular investor behaviour.…

February Market Up Date 1500 362 SSJuanito

February Market Up Date

Market update The table below provides details of the movement in average investment returns from various asset classes for the period up to 31 January 2019. Asset class (% change) 1 month 3 months 1 year 3 years (% pa) Australian shares 3.9 1.5 1.4 10.1 Smaller companies 5.6 0.8 -3.1 11.3 International shares (unhedged) 4.1…

Cipher November 2018 Newsletter 1629 909 Clare Sanderson

Cipher November 2018 Newsletter

It’s a question that’s often posed to us when a client is young – do they really need life insurance?  This quarter’s Cipher helps to discuss this along with leading a happy and healthy life.  We also look to identify 7 money personalities.

Getting Retirement Ready? 2500 1633 SSJuanito

Getting Retirement Ready?

As you enter your fifties or sixties, you start looking forward to retirement and spending time doing the things you love. With many Australian’s living longer, this also means that retirements are getting longer. With more years to enjoy, you will need to consider your money lasts as long as you do. Here’s our tips…

What is a Family Guarantee and how can it help my kids buy a property? 150 150 SSJuanito

What is a Family Guarantee and how can it help my kids buy a property?

The property market is at an all time high with many capital city home prices way over $1 million today. Many of our clients are asking us about how they can help their children get into the property market and have heard about a Family Guarantee (also called Parental Guarantee). What is a Family Guarantee?…

Corrections, gummy bears and grizzly bears in shares 150 150 SSJuanito

Corrections, gummy bears and grizzly bears in shares

Key points – The pullback in shares could still have further to go but a deep (grizzly) bear market is unlikely as US, global or Australian recession are unlikely. – Increasing US Federal Reserve openness to a pause in raising rates, the likelihood of a US/China trade deal sometime in the next six months and…

Cipher February 2018 Newsletter 1594 906 Clare Sanderson

Cipher February 2018 Newsletter

Health and fitness go hand in hand but did you know that being a sports lover also means you enjoy better financial fitness?  This quarter’s Cipher newsletter discusses this top and how to budget so that you can retire your way.